We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 392389 results
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Decision Reference DRN-6137277
9 Feb 2026 Assurant General Insurance Limited UpheldInsuranceDRN-6137277 The complaint Mr G complains about Assurant General Insurance Limited’s decision to decline a claim under an accidental damage & breakdown insurance policy. What happened Mr G had an accidental damage & breakdown insurance policy with Assurant that covered his air-fr... (3 pages)View decision -
Decision Reference DRN-5967893
9 Feb 2026 Quidie Limited Not upheldConsumer CreditDRN-5967893 The complaint Miss B complains that Quidie Limited trading as Fernovo (“Quidie”) provided her with a loan without carrying out sufficient affordability checks. What happened Quidie advanced one loan of £250 to Miss B in July 2023. monthly payments of £90.22 followed by a fi... (4 pages)View decision -
Decision Reference DRN-6137511
9 Feb 2026 Gain Credit LLC Not upheldConsumer CreditDRN-6137511 The complaint Mr K complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) gave him loans without carrying out sufficient affordability checks. Had better checks been made Lending Stream would’ve realised he was already in financial difficulties. What ha... (5 pages)View decision -
Decision Reference DRN-5924758
9 Feb 2026 Gain Credit LLC Not upheldConsumer CreditDRN-5924758 The complaint Mr S complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) gave him loans without carrying out sufficient affordability checks. Had better checks been made than it would’ve seen he couldn’t afford to take the loans. What happened A summar... (4 pages)View decision -
Decision Reference DRN-5909316
9 Feb 2026 PDL Finance Limited Not upheldConsumer CreditDRN-5909316 The complaint Miss D complains PDL Finance Limited trading as Mr Lender (“Mr Lender”) gave her loans which weren’t affordable. This led to her struggling to repay what she had borrowed. What happened A summary of Miss D’s borrowing can be found below. loan number loan amou... (3 pages)View decision -
Decision Reference DRN-6046847
9 Feb 2026 Gain Credit LLC Not upheldConsumer CreditDRN-6046847 The complaint Mr T complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) gave him loans without carrying out sufficient affordability checks. Had better checks been made then it would’ve seen Mr T was stuck in a cycle of borrowing. What happened A summ... (5 pages)View decision -
Decision Reference DRN-5941483
9 Feb 2026 Advantage Insurance Company Limited UpheldInsuranceDRN-5941483 The complaint Miss K complains about the amount Advantage Insurance Company Limited (Advantage) paid to settle her car insurance claim. What happened In July 2025 Miss K was involved in a car accident and made a claim against her policy. Advantage deemed Miss K’s car was a ... (3 pages)View decision -
Decision Reference DRN-6108586
9 Feb 2026 JAJA FINANCE LTD Not upheldBanking and PaymentsDRN-6108586 Complaint Mr Q has complained about a credit card Jaja Finance Ltd (“Jaja”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In November 2023, Jaja provided Mr Q with a credit card which had... (3 pages)View decision -
Decision Reference DRN-5909218
9 Feb 2026 Barclays Bank UK PLC Not upheldConsumer CreditDRN-5909218 Complaint Mrs H has complained about a loan Barclays Bank UK PLC (then trading as “Tesco Bank”) provided to her. She says that Tesco Bank provided her with an unaffordable loan without an adequate consideration of her credit history or ability to afford further credit. Back... (3 pages)View decision -
Decision Reference DRN-6033167
9 Feb 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6033167 Complaint Mr R has complained about a credit card HSBC UK Bank Plc (“HSBC”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In December 2019, HSBC provided Mr R with a credit card which had... (3 pages)View decision